Selling BMW.. Anyone interested ? Great deal.

I'm getting rid of the BMW. I lost a big client last week, and I'm re-drawing my budget. I could use the $2500 it'll cost me until I get back on my feet, so instead of waiting for the car to be repossessed, I'll put it out there.

Basically, need someone to pick up the payments. You'll need to qualify with Satander, or work out the title thing with them directly.

Payoff is about $4000.

The car needs front and rear bushings. I have a set of 4 Blizzaks, but it'll need new rubber after the snow goes away. Rear shocks also need replaced.

So the repair is about $500 in parts if you do it, or about $1200 if the dealer does it.

145k miles on it, bone stock and gets 34mpg on a bad day.

Lemme know if you want pics. I'm actually going to do a voluntary surrender if I have to. Because there is a lienholder and I don't have the money to throw at it for a title - I can't really sell it in the paper.

Yup. I was thinking of putting up a "car for sale" ad, but really I think (I'm checking things out.. no one can tell me how to sell a car with a lien holder. The last one I sold was my WRX and I had to take out a loan to pay off the car, then wait for the title, then pay back the loan. It was miserable.)

So I dunno if someone just has good credit and can work it out with the lien holder. I HAVE done that before. Just gets me out of the loan with some sort of credit in tact. But I don't give a shit about credit. If my business doesn't succeed then I have more to worry about than a BMW, and if it does work out then I'll have the scratch in pretty short order to buy another one for cash. It's just an 8k car or whatever. And I have a Mustang to finish up.

And it looks like I just picked up a 2000 Tahoe tonight. I'll keep everyone up to date (Not like anyone really gives a shit) But it's free-to-me and it gets 15 mpg in freefall.

Even at 34mpg I typically spend $600 a month in gas. I suppose that's going out the window (Mathematically, I guess it'll be $1200 a month) but right now I'm getting months behind in the payment and I can't afford their pay-off. So I'll put together "most" of the payment, it'll still be repoed anyway and it'll be repoed with new bushings and shocks.

So the car will cost me $2600 before Christmas and I simply won't have enough to live on. Try telling your wife that you're moving all your shit into your parent's house and eating ramen and cat food because you had to have a BMW. Or try explaining why you just put the last of your bill money into a car that just got repoed because you owed $100 more than you could pay.

It's just a losing situation. So I'm not gonna bother. First and foremost: Stay alive.

The profit I will make is from someone just getting rid of my payments. I have used this car for a while - and I don't think it has cost me anything. It just gives and gives. Truly a great car.

So right now I would prefer to make a quicker sale - before it's repoed - and just have someone take over the payments.

And Demon : TN isn't that far away. It won't drive that, but I can have the bits here in a few days to fix the bushings and it'll be on the road. If you wanna talk to my finance company lemme know - I'll see what I can do to move this.

1. Ain't no one gonna have a retirement soon. I started my I.T. career at 18, in 1994. I lived in CT and worked in high-finance, insurance and telecom. I went on to work "High Finance projects" for a government letter agency. I learned all needed to know.
2. While paying high CT costs for EVERYTHING I worked 100+ hours a week to make my bills on my stupid house. Just moving out of CT saved me enough money to where I only had to work 2 days a week. Thats my retirement. Cheaper living and less efforts.

I have no actual "retirement" because a real retirement only happens to those who make more than 200k yearly. And that's the beginning of an actual retirement. The social programs and 401ks are scams. All of them. Always have been. Before Madoff and to this day. Nothing has changed.

I haven't made payments on the car for 3 months now (today marks my third month). I'm ready to make the payments and click "ok" on the online bill pay - But had an epiphany. I could take that money, combined with the repair costs, and next month (Because shit ain't changing at work between thanksgiving and christmas) and pool them all up. $2600 goes back in my pocket to pay my bills and keep working.

I'm late because that office that I built (I don't know if I put an HS thread up here about it.. but I am renting a factory space in CT now and trying to set it up to perform the business) is done "by the book" and the costs from the state, town and federal has DOUBLED my costs of business. So I had to toss good money after good money at the problem, and let other shit slide... like a BMW payment. And cigars. And the 10 PCs and a mac that I saved up for for the office. And now I can't even scrape together enough money for a basic internet connection in the office.

So I'm basically faced with some sudden emergencies. These emergencies are more important than a bottom of the line BMW. I know where my priorities lay.

I even ate through the money I had saved to cash-out a house (No payments!) much to the anger of my wife. If I break any more promises to her in favor of a shop space in the nastiest section of Bridgeport I'll have divorce papers soon.

So things get good, then things get bad. Just like everyone else. The key is to adapt IMMEDIATELY to the changing landscape and not let these cool things weigh you down and drown you.

Hiring an Employee I always make a paycheck. Not a great one - but for every employee I hire and keep busy I'm making about $800 a week in my pocket. So I hire and keep 3 employees and I'm back on track to my future plan. I'll buy another BMW - they did make a few thousand of them. I'll also finish the Mustang project, and get back to buying a house for cash. All of that still happens but I have to get over this hump first.

And the employee thing... jesus christ. No one knows what's going on with healthcare anymore. I have to pay a bunch - we know that - but no one can tell me how much. They say "It's going to change all the time". Like I can budget on that shit.

So I used to pay my guys $20 an hour flat - 1099. Let them deal with their shit. This kept a lot of guys away "I need a place that has insurance" they would say. So fine, I have that - typical package, 5 days off a year, 5 sick days and a contribution program. Now their 20 an hour goes to 10 an hour and they bitch about that. With Obamacare it's looking like every employee that makes $15 an hour is going to cost me $50 an hour to employ. Such bullshit.

Now I'll need like 6 employees to put a paycheck in my pocket. Just a few years ago, if you had 6 employees you had about $500,000 yearly to take part in for a salary.

And this is why this socialist, unionist garbage is going to label me "Rich" in 9 months because I own 2 suits and a used SUV.

Health insurance for a company with 2 employees.... Nice to offer it but you don't have to. Not unless you have enough people to account for 50 full time employees.

Hearing about you talking about retirement makes it clear as to why you don't have any money. If it's all a scam, why didn't you put your retirement into a safe insured account or invest it into a low risk option? Sure you'll get taxed on any profits but only once you sell it. Or at the very least, stick it in your mattress so you'll have it for rainy days like when you can't make your BMW payment.

I live in the DC area, I don't want to hear about cost of living. My tiny ass townhome with power/water/taxes runs me about $2600/mo and that's not counting the fact that I had to gut the home when I first bought it.

When I was 30 I commanded 18 employees as the head of Help Desk for Yale University.

I had 8 cars and a house in Connecticut. Funny how shit changes in 7 years. But I guess you're too smart to ever take risks and try to make it any bigger than you are. You are, in fact, a 30 year old guru on the mountain.

Nothing personal, but you live in the DC area, and I don't want to hear any of your advice about smart decisions. So I'll keep it down in my life, and you can keep it down in yours - or on the cross, wherever you are this week.